The Citizens Bank is a state-chartered bank headquartered in Hickman, Kentucky, in business for about 96 years. At the end of Q2 2026 it reported $220.4M in total assets and $193.7M in deposits, with 3 offices across 2 states.
Based on its Q2 2026 filing, The Citizens Bank scores 82/100, which we describe as strong. That is higher than 82% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 19th. Its strongest component is problem-loan coverage (96/100; 2.1%), and its lowest is funding & liquidity (63/100; 85% loans-to-deposits, 26% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (82 → 82).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 76 |
| Q4 2024 | 80 |
| Q1 2025 | 81 |
| Q2 2025 | 82 |
| Q3 2025 | 81 |
| Q4 2025 | 81 |
| Q1 2026 | 80 |
| Q2 2026 | 82 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.70% |
| Q3 2024 | 12.68% |
| Q4 2024 | 12.85% |
| Q1 2025 | 12.84% |
| Q2 2025 | 12.74% |
| Q3 2025 | 12.29% |
| Q4 2025 | 12.26% |
| Q1 2026 | 12.44% |
| Q2 2026 | 12.67% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.07% |
| Q3 2024 | 0.26% |
| Q4 2024 | 0.07% |
| Q1 2025 | 0.04% |
| Q2 2025 | 0.06% |
| Q3 2025 | 0.08% |
| Q4 2025 | 0.14% |
| Q1 2026 | 0.35% |
| Q2 2026 | 0.34% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.03% |
| Q3 2024 | 0.94% |
| Q4 2024 | 0.99% |
| Q1 2025 | 1.06% |
| Q2 2025 | 1.28% |
| Q3 2025 | 1.33% |
| Q4 2025 | 1.44% |
| Q1 2026 | 1.49% |
| Q2 2026 | 1.73% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $220.4M | 12.67% | 0.34% | 1.73% | 85.2% |
| Q1 2026 | 80 | $224.0M | 12.44% | 0.35% | 1.49% | 80.9% |
| Q4 2025 | 81 | $221.3M | 12.26% | 0.14% | 1.44% | 81.4% |
| Q3 2025 | 81 | $215.4M | 12.29% | 0.08% | 1.33% | 78.0% |
| Q2 2025 | 82 | $214.4M | 12.74% | 0.06% | 1.28% | 77.3% |
| Q1 2025 | 81 | $204.8M | 12.84% | 0.04% | 1.06% | 78.4% |
| Q4 2024 | 80 | $197.1M | 12.85% | 0.07% | 0.99% | 80.2% |
| Q3 2024 | 76 | $200.9M | 12.68% | 0.26% | 0.94% | 87.5% |
| Q2 2024 | 79 | $195.4M | 12.70% | 0.07% | 1.03% | 86.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| United Citizens Bank & Trust CompanyBank Campbellsburg, KY | 56 out of 100, Moderate | $219.3M | 10.0% | 1.78% | vs |
| Citizens Bank & Trust Co. of JacksonBank Jackson, KY | 42 out of 100, Below average | $217.3M | 9.7% | 3.35% | vs |
| Commercial BankBank West Liberty, KY | 65 out of 100, Moderate | $216.1M | 10.0% | 1.14% | vs |
| The Citizens BankBank Morehead, KY | 76 out of 100, Strong | $228.6M | 8.7% | 0.06% | vs |
| The First National Bank of ManchesterBank Manchester, KY | 55 out of 100, Moderate | $230.1M | 9.9% | 1.62% | vs |
| Bank of ColumbiaBank Columbia, KY | 76 out of 100, Strong | $231.1M | 9.3% | 0.19% | vs |
Deposit insurance
Is my money safe at The Citizens Bank?
Yes. The Citizens Bank is an FDIC-insured institution (FDIC certificate #9306). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.0% of deposits ($50.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.67%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
The Citizens Bank lists 3 offices in 3 cities across 2 states. Most locations:
- Fulton, KY (1)
- Hickman, KY (1)
- Union City, TN (1)
Identity & history
Profile
- Legal name
- The Citizens Bank
- Type
- State-chartered bank
- FDIC certificate #
- 9306
- RSSD ID
- 617145
- Primary regulator
- FDIC
- Holding company
- Citizens Bcorp of Hickman Inc
- Established
- January 1, 1930
- Headquarters
- 1522 Union City Hwy, Hickman, KY 42050
- Website
- www.citizenshickman.com
- Employees
- 36
Quick answers
The Citizens Bank: common questions
Is The Citizens Bank FDIC insured?
Yes. The Citizens Bank is an FDIC-insured institution (FDIC certificate #9306). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Citizens Bank's TellerScore?
82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Citizens Bank ever failed?
There is no failure record for FDIC certificate #9306 in the FDIC failed bank list.
How many branches does The Citizens Bank have?
3 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Hickman
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of New MadridBank New Madrid, MO | 92 out of 100, Very strong | $116.6M | 14.1% | 0.04% | vs |
| Wcg Employees Credit UnionCredit union Martin, TN | 89 out of 100, Very strong | $1.0M | 21.8% | 0.00% | vs |
| Citizens' Bank of CharlestonBank Charleston, MO | 86 out of 100, Very strong | $185.1M | 20.5% | 0.83% | vs |
| Alliance BankBank Cape Girardeau, MO | 84 out of 100, Strong | $391.3M | 13.6% | 0.26% | vs |
| Commercial Bank & Trust Co.Bank Paris, TN | 80 out of 100, Strong | $1.1B | 12.1% | 0.15% | vs |
| Security Bank and Trust CompanyBank Paris, TN | 79 out of 100, Strong | $1.7B | 10.9% | 0.02% | vs |